Chapter 7 will last on your report ten years (unless removed), while chapter 13 will stay on there only seven.
You would think chapter 13 would lower your score less since you typically repay debt, but that’s not the case.
Both types of bankruptcies will drop your score up to 240 points (and slowly hurt less over time).
Fortunately, both types of bankruptcies can be deleted before their expiration date by disputing them (complex process).
Get Your Bankruptcy Removed Professionally
In some cases, we recommend speaking with a Credit Repair professional to analyze your credit report. It's so much less stress, hassle, and time to let professionals identify the reasons for your score drop.
If you're looking for a reputable company to increase your credit score, we recommend Credit Glory. Call them on (800-807-4388) or setup a consultation with them. They also happen to have incredible customer service.
Credit Glory is a credit repair company that helps everyday Americans remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from their credit report. Their primary goal is empowering consumers with the opportunity and knowledge to reach their financial dreams in 2020 and beyond.